approved by the regulatory agency of such financial institution or the Board of the Financial Restructuring Authority (FRA), or which has been given an order to rectify its impaired financial condition by
an agency supervising such financial institution or the Commission of the Organization for Reformation of Financial Institution System or has been ordered to rectify the damaged financial position by
agency supervising such financial institution or the Commission of the Organization for Reformation of Financial Institution System or has been ordered to rectify the damaged financial position by
annually by accredited credit rating agencies such as Japan Credit Rating Agency and Fitch Rating. The credit rating details as of August 31, 2023 are as follows: Credit Rating Agency Issuing Date Credit
Ratings The Company has received credit ratings and have them reviewed annually by accredited credit rating agencies such as Japan Credit Rating Agency and Fitch Rating. The credit rating details as of
Japan Credit Rating Agency. The credit rating details as of February 29, 2024 are as follows: Credit Rating Agency Credit Ratings Fitch Ratings A-/Stable Japan Credit Rating Agency A/Stable Shareholders
reviewed annually by accredited credit rating agencies such as Fitch Rating and Japan Credit Rating Agency. The credit rating details as of May 31, 2024 are as follows: Credit Rating Agency Credit Ratings
Agency. For ESG, the Company has been recognized by MSCI ESG Rating per followings. Credit Rating Agency Credit Ratings Fitch Ratings A-/Stable Japan Credit Rating Agency A/Stable MSCI ESG Rating A
% Contributions to the Deposit Protection Agency and Financial Institutions Development Fund 2,498 2,440 2,415 2.4% 3.4% 4,939 4,746 4.1% Debt issued and borrowings 1,279 1,327 1,663 (3.6)% (23.1)% 2,606 3,345